Karnataka Bank Ltd
Karnataka Bank is engaged in providing a wide range of banking & financial services involving retail, corporate banking and para-banking activities in addition to treasury and foreign exchange business.[1]
- Market Cap ₹ 7,373 Cr.
- Current Price ₹ 195
- High / Low ₹ 245 / 162
- Stock P/E 5.79
- Book Value ₹ 320
- Dividend Yield 2.82 %
- ROCE 6.33 %
- ROE 11.1 %
- Face Value ₹ 10.0
Pros
- Stock is trading at 0.61 times its book value
- Company has delivered good profit growth of 24.1% CAGR over last 5 years
Cons
- Company has low interest coverage ratio.
- The company has delivered a poor sales growth of 6.84% over past five years.
- Company has a low return on equity of 13.1% over last 3 years.
- Contingent liabilities of Rs.15,718 Cr.
- Company might be capitalizing the interest cost
* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.
Quarterly Results
Consolidated Figures in Rs. Crores / View Standalone
Profit & Loss
Consolidated Figures in Rs. Crores / View Standalone
Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
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6,475 | 6,232 | 6,222 | 7,220 | 8,299 | 9,014 | |
Interest | 4,444 | 4,049 | 3,731 | 4,035 | 5,000 | 5,703 |
2,706 | 2,993 | 2,677 | 2,651 | 2,983 | 2,939 | |
Financing Profit | -676 | -810 | -186 | 534 | 316 | 372 |
Financing Margin % | -10% | -13% | -3% | 7% | 4% | 4% |
1,262 | 1,495 | 954 | 993 | 1,319 | 1,270 | |
Depreciation | 64 | 74 | 74 | 86 | 72 | 0 |
Profit before tax | 522 | 612 | 694 | 1,440 | 1,563 | 1,641 |
Tax % | 17% | 21% | 27% | 18% | 16% | 22% |
432 | 482 | 508 | 1,180 | 1,307 | 1,273 | |
EPS in Rs | 13.89 | 15.52 | 16.33 | 37.77 | 34.64 | 33.68 |
Dividend Payout % | 0% | 12% | 24% | 13% | 16% | 15% |
Compounded Sales Growth | |
---|---|
10 Years: | % |
5 Years: | 7% |
3 Years: | 13% |
TTM: | 9% |
Compounded Profit Growth | |
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10 Years: | % |
5 Years: | 24% |
3 Years: | 36% |
TTM: | -3% |
Stock Price CAGR | |
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10 Years: | 5% |
5 Years: | 36% |
3 Years: | 43% |
1 Year: | -13% |
Return on Equity | |
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10 Years: | % |
5 Years: | 11% |
3 Years: | 13% |
Last Year: | 11% |
Balance Sheet
Consolidated Figures in Rs. Crores / View Standalone
Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
---|---|---|---|---|---|---|
Equity Capital | 311 | 311 | 311 | 312 | 377 | 378 |
Reserves | 5,660 | 6,331 | 6,783 | 7,900 | 10,470 | 11,707 |
Deposits | 71,785 | 75,654 | 80,387 | 87,368 | 98,057 | 104,806 |
Borrowing | 4,065 | 1,765 | 2,314 | 1,563 | 4,400 | 1,941 |
1,493 | 1,519 | 1,789 | 1,914 | 2,779 | 2,129 | |
Total Liabilities | 83,313 | 85,581 | 91,583 | 99,057 | 116,083 | 120,960 |
826 | 838 | 805 | 846 | 915 | 991 | |
CWIP | 0 | 0 | 13 | 29 | 0 | 0 |
Investments | 17,545 | 21,635 | 22,040 | 23,325 | 24,300 | 24,535 |
64,942 | 63,108 | 68,725 | 74,857 | 90,868 | 95,435 | |
Total Assets | 83,313 | 85,581 | 91,583 | 99,057 | 116,083 | 120,960 |
Cash Flows
Consolidated Figures in Rs. Crores / View Standalone
Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
---|---|---|---|---|---|---|
-90 | 3,368 | -467 | 1,830 | 362 | 210 | |
-56 | -87 | -56 | -88 | -111 | -691 | |
-545 | -885 | -355 | -19 | 1,582 | 412 | |
Net Cash Flow | -690 | 2,396 | -879 | 1,723 | 1,833 | -69 |
Ratios
Consolidated Figures in Rs. Crores / View Standalone
Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
---|---|---|---|---|---|---|
ROE % | 8% | 7% | 15% | 14% | 11% |
Documents
Announcements
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Announcement under Regulation 30 (LODR)-Change in Management
13h - Mr. Raghavendra Srinivas Bhat appointed COO of Karnataka Bank effective 02-07-2025.
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Disclosure Pursuant To Regulations 6(1) And 7(1) Of The SEBI (LODR) Regulations, 2015
13h - Reconfirmation of Company Secretary and Registrar details as per SEBI LODR norms.
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Announcement under Regulation 30 (LODR)-Press Release / Media Release
1d - Karnataka Bank obtains court injunction against BTV for defamatory news, protecting reputation and stakeholders.
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Announcement under Regulation 30 (LODR)-Press Release / Media Release
2d - Karnataka Bank issues press release clarifying misleading news circulating in media on June 30, 2025.
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Announcement under Regulation 30 (LODR)-Press Release / Media Release
2d - Karnataka Bank refutes false media rumors, affirms strong capital adequacy over 19.85%, and initiates legal action.
Annual reports
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Financial Year 2024
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Financial Year 2023
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Financial Year 2022
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Financial Year 2021
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Financial Year 2020
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Financial Year 2019
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Financial Year 2018
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Financial Year 2017
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Financial Year 2016
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Financial Year 2015
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Financial Year 2014
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Financial Year 2013
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Financial Year 2012
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Financial Year 2011
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Financial Year 2011
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Concalls
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May 2025Transcript PPT
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Feb 2025Transcript PPT REC
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Oct 2024TranscriptNotesPPT
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May 2016TranscriptNotesPPT
Services Offerings
Retail and Personal Banking- Loans for houses, vehicles, gold, LAP, Personal loans, and Education Loan.
MSME- Working capital finance, Term loans & infrastructure finance, Business development loans, Corporate loans, Professional & self-employed loans.
Agriculture Banking- Agriculture & allied activities, Farm development, Agricultural land purchase, Farm mechanization, etc. [1]